Housing bills approved by the FHA

Key provisions of housing bills approved by the FHA Federal Housing Administration House More authority: Give the Federal Housing Administration $300 billion in new lending authority and relax standards to provide fixed-rate mortgages to debt-ridden homeowners.

Modernize the FHA: Allow agency to back loans for riskier borrowers and raise the size of loans the agency can insure.

Tighter regulations: Closer watch of Fannie Mae and Freddie Mac, the government-sponsored firms that finance mortgages, and permanently raise the limit on the loans they can buy.

Help for new buyers: Provide low-income housing tax breaks, low-income rental housing incentives and a credit of up to $7,500 for first-time home buyers.

State aid: Give states $10 billion in tax-free municipal bond authority for loans to first-time home buyers, construction of low-income rental housing and refinancing mortgages

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